Farmers Trust and Savings Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 11.66 percentage points higher than in Q1 2026, at 108.65%. On loan-to-deposit ratio, Farmers Trust and Savings Bank ranks 9th highest among the 225 banks headquartered in Iowa, at 108.65% (Q2 2026). Farmers Trust and Savings Bank reported 108.65% on loan-to-deposit ratio for Q2 2026, 27.81 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $150.1M |
| Net loans and leases | $149.5M |
| Loans held for sale | $0 |
| Loans to total assets | 78.34% |
| Loan-to-deposit ratio | 108.65% |
| Net loans to equity capital | 3.39% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.04% |
| Multifamily (5+ residential) | 1.13% |
| Commercial and industrial | 6.02% |
| Consumer | 2.31% |
| Credit cards | 0.00% |
| Farm | 32.75% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 19.74% |
| Construction concentration (Tier 1 capital + allowance) | 1.57% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.53% |
| Interest income on loans | $2.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $117.5M | $130.7M | 20.41% | 5.56% | 3.68% |
| Q4 2023 | $125.1M | $133.5M | 19.46% | 5.51% | 3.42% |
| Q1 2024 | $125.9M | $139.3M | 19.26% | 5.19% | 3.13% |
| Q2 2024 | $126.2M | $136.3M | 18.17% | 5.77% | 3.13% |
| Q3 2024 | $126.9M | $136.4M | 17.84% | 5.90% | 3.01% |
| Q4 2024 | $130.6M | $145.0M | 18.01% | 5.76% | 2.77% |
| Q1 2025 | $135.8M | $151.6M | 17.99% | 5.63% | 2.61% |
| Q2 2025 | $138.3M | $147.7M | 18.20% | 5.01% | 2.44% |
| Q3 2025 | $141.1M | $145.1M | 18.13% | 5.40% | 2.46% |
| Q4 2025 | $144.8M | $153.9M | 17.59% | 6.08% | 2.43% |
| Q1 2026 | $147.8M | $152.4M | 16.94% | 6.28% | 2.33% |
| Q2 2026 | $150.1M | $138.1M | 17.04% | 6.02% | 2.31% |
Farmers Trust and Savings Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers Trust and Savings Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers Trust and Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14392) · FFIEC NIC profile (RSSD 382443)